Beware if you are thinking about taking out a mortgage with this bank. My experience was that they railroaded me into a loan that I didn't want by delaying closing on a construction-mortgage rollover, causing the interest to rapidly accrue. In order to stop paying thousands in interest each month, I had to agree to sign a 1-yr commercial loan (as a non-commercial purchaser). When the market crashed and I could not keep the home, the bank was duplicitous in representing they wanted to work with me to help me keep the home. They asked me to update all my financials with them, which I did, thinking they would then rework the loan. Instead, they completely cut off all communications with me and foreclosed on the property. After the foreclosure sale (where the bank bought the property from themselves at approximately $20,000 below market value), they filed a deficiency judgment against me for the entire difference between the original note and the ""discount"" sale price. This bank is definitely not your friend, no matter how friendly they seem...I'd strongly recommend taking your business somewhere else.